Systems, Methods and Schema for Cryptographic Promissory Files

1. A method for constructing a cryptographically signable and verifiable binary promissory file representing fiat currency issued by a monetary authority, comprising: receiving, at a computing device, information describing: a universally unique identifier that is randomly generated; a promissory note issuance date timestamp that is generated by an operating system; an integer amount; an integer decimal precision; a currency code; a cryptographic public key matching a cryptographic signing key; a cryptographic signature of hashed root issuance parameters by a monetary authority cryptographic signing key; and a cryptographic public key of the monetary authority; creating, using the computing device, the promissory file, wherein the promissory file comprises information describing: the universally unique identifier; the currency code; the integer amount; the integer decimal precision; the cryptographic public key of the monetary authority; an integer representing the promissory file issuance date timestamp; a cryptographic signature of a latest signature block hash from the monetary authority; a cryptographic signature of a latest signature block hash from a previous promissory file owner; an unsigned integer of a signature block depth; a recursive linked-list hash-chain signature block data structure containing a cryptographic public key of a promissory holder at the signature block depth; and a hash of: (i) a hash digest of a previous hash plus the cryptographic public key at the signature block depth; or (ii) a genesis hash digest of the cryptographic public key of the monetary authority plus the universally unique identifier of the promissory file plus the promissory file issuance date timestamp plus the integer decimal precision of the promissory file plus the currency code of the promissory file, a previous linked signature block data structure, and a timestamp of when a signature block was created; and creating, using the computing device, an initial hash for constructing a first signature block signed by the cryptographic signing key, based on: the cryptographic public key of the monetary authority; the universally unique identifier; the promissory file issuance date timestamp; the integer amount; the integer decimal precision; and the currency code; and storing, using the computing device, the promissory file in a file system.

2. The method of claim 1, further comprising: reading, using the computing device, the promissory file; and returning values stored in the promissory file.

3. The method of claim 1, further comprising: calculating, using the computing device, a next signature block hash by creating a new hash digest of a current signature block hash plus a cryptographic public key of the intended recipient to transfer ownership of the promissory file to the intended recipient; and returning a next signature block hash.

4. The method of claim 1, further comprising: searching, using the computing device, a file system directory for instances of promissory files; and returning a list of read file buffers.

5. The method of claim 1, further comprising: saving, in the file system, a file name for a promissory file instance based on: a character string representation of the currency code; the integer amount; the integer decimal precision; and a universally unique identifier.

6. The method of claim 1, further comprising: issuing, using the computing device, promissory file.

7. The method of claim 1, further comprising: ordering, using the computing device, comparison promissory files, wherein the ordering is based on decimal normalized amounts of the comparison promissory files.

8. The method of claim 1, further comprising: normalizing, using the computing device, a promissory file instance amount against promissory files having different decimal place precisions.

9. The method of claim 1, further comprising: calculating, using the computing device, a genesis hash of the promissory file; and returning the genesis hash of the promissory file.

10. The method of claim 1, further comprising: retrieving, from the file system, a latest signature block of the promissory file.

11. The method of claim 1, further comprising: retrieving, from the file system, a previous signature block of the promissory file.

12. The method of claim 1, further comprising: retrieving, from the file system, a cryptographic public key of a latest signature block, wherein the latest signature block denotes an owner of the promissory file.

13. The method of claim 1, further comprising: recursing, using the computing device, a signature block linked list from a starting signature block; and returning ancestor blocks within a recursed list.

14. The method of claim 1, further comprising: restricting, using the computing device, a next signature block depth of the promissory file to not exceed a threshold signature block depth.

15. The method of claim 1, further comprising: receiving a cryptographic public key of a recipient; assigning, using the computing device, ownership of the promissory file using a cryptographic public key of a recipient to calculate a next signature block hash and cryptographically sign the hash with a cryptographic signing key of a current promissory file owner; supplying, using the computing device, a cryptographic signature and a cryptographic public address of the recipient for use in a cryptographic verification and construction of a next signature block hash; updating, using the computing device, a state of the promissory file; and returning latest promissory data with an incremented signature block depth.

16. The method of claim 15, further comprising: supplying, using the computing device, a cryptographic signature of a calculated next signature block hash from the monetary authority for use in cryptographic verification and construction of a next signature block hash.

17. The method of claim 1, further comprising: verifying, using the computing device, a cryptographic correctness of the promissory file solely from contents of the promissory file; computing, using the computing device, a root hash; recursing, using the computing device, a signature block linked-list hash chain; verifying, using the computing device, authorized and secured cryptographic signatures for a latest signature block match a re-computed linked-list hash-chain from a signature block history; and locally verifying correctness of the promissory file without reliance on network connectivity.

18. The method of claim 1, further comprising: receiving, using the computing device and from the monetary authority, an asynchronous cryptographic signature of the promissory file that is: a signature for a current signature block hash or; a signature for pre-authorizing a next computed signature block hash based on a cryptographic public key of a recipient; and updating, using the computing device, an authorized signature of the promissory file.

19. The method of claim 1, further comprising: organizing, using the computing device, a plurality of promissory files for a given cryptographic public key in a binary heap to sort from highest to lowest respective decimal normalized promissory file amounts; and calculating, using the computing device, a nearest balance of an account to a parameterized currency amount from a sorted collection.